GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / DETERMINISTIC EVIDENCE / V3

OCFC financial changes

Ranked by interpretable importance, issuer history, magnitude, and accounting profile. No directional recommendation.

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HIGH IMPORTANCEFinancial Value100TH HISTORICAL PCTL

Loan / deposit moved 832 bp lower

Loan / deposit changed -832 basis points from the comparable as-filed period. The change ranks at the 100th percentile of 4 prior comparable changes. This reverses 4 consecutive comparable moves in the opposite direction.

98.90%90.58%4 prior comparisons
HIGH IMPORTANCEShare CountShare Dilution100TH HISTORICAL PCTL

Shares outstanding increased 68.4%

Shares outstanding changed +68.4% from the comparable as-filed period. The change ranks at the 100th percentile of 8 prior comparable changes. This reverses 8 consecutive comparable moves in the opposite direction.

57,385,35196,645,2198 prior comparisons

Method Importance combines metric-family relevance, magnitude, issuer-history unusualness, persistence, and financial-statement significance. It is analytical prioritization, not a legal materiality conclusion or investment signal.